Inbound Immigrant Insurance covers the visitors who are traveling to USA and provide travel and medical coverage while in the USA.
Inbound Immigrant insurance is a basic travel medical insurance plan that has fixed pre-defined limit for each medical service.
You visit any doctor or hospital of your choice.

Note: Inbound Immigrant Plan is not available for the resident of Maryland (MD) and Washington(WA).

The following benefit table shows how much insurance pays for the given covered medical service.
If the actual bill is more, the difference will be your responsibility.
Please review Inbound Immigrant Insurance Brochure or Description of Coverage (policy document) for complete and accurate coverage and exclusions.

Inbound Immigrant Insurance FAQs

Q1: Am I eligible for the Inbound Immigrant plan?

If you are a non-United States citizen or green card holder traveling to the U.S. for business, pleasure, to study or to immigrate, you are eligible for this plan. Your plan must become effective within 24 months of your arrival in the United States. The minimum coverage period is 5 days and the maximum coverage period is 5 years.

Q2: Can I renew the Inbound Immigrant plan?

Yes, you can renew your coverage in an increment of 5 days or more up to 5 years. For each renewal there is a $5 fee. Policy can be renewed online.

Q3: Can I cancel the Inbound Immigrant plan?

Yes, you can cancel this plan. If you request for cancellation of the plan, before the effective date you will receive complete refund and if you cancel the plan after the effective day, you will receive a pro-rated refund for the unused portion of the plan, minus a cancellation fee( $25 Cancellation Fee ), provided you have not submitted a claim.

Q4. What does the Inbound Immigrant plan cover? Why is it so much cheaper than the comprehensive plans?

The Inbound Immigrant plan is a limited coverage plan and pays its benefits according to a fixed schedule of benefits. This plan is less expensive than comprehensive plans, because the plan provides only basic coverage and has limited or restricted benefits. Benefits may not be adequate in case of any major medical problem.

Q5. The plan says that the deductible is per incident or per injury or sickness. Does this mean I have to pay the deductible each time I make a visit to a Doctor or hospital?

No. Per incident / per injury or sickness means that the deductible is one time only for all the services (including doctor visit, pharmacy, lab work, etc.) for one particular sickness/injury.

Example: If you have flu and visit the doctor 2 times for the same problem and the doctor asks you to take some lab test, then you pay the deductible once for all the services/treatment related to the flu. However if you go to doctor for a different problem, say, an ankle sprain, then the deductible will be applicable again, once for all services /treatments taken for the ankle sprain.

Q6: Does this plan cover any pre-existing conditions?

Yes, the plan does covers for acute onset of pre-existing conditions up to the policy maximum, only once for the policy period for medical expense benefits(subject to sublimit ) for people below 70 years of age.

Acute onset of pre-existing condition is defined as:Ã???Ã??Ã?Â An Acute Onset of a Pre-existing Condition is a sudden and unexpected outbreak or recurrence of a Pre-existing Condition which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms. Treatment must be obtained within 24 hours of the sudden and unexpected outbreak or recurrence

Inbound Immigrant Insurance is limited coverage plan and does not participate in any PPO Network. You can go to any doctor, hospital or provider of your choice. Depending on the billing pratice of the service provider, they may directly bill to the insurance company or you can pay and file for claim..

Q8: What information do I need to purchase this insurance?

Name(s), date of birth, and passport number of the visitor(s).

Q9. I want to purchase insurance for more than one visitor. Should I purchase two separate policies for them or have a combined policy?

The benefits and cost does not differ if you buy individually or combined policies. If the visitors have different travel plans (might be coming together but leaving on different dates, etc.) it is recommended to buy separate policies. Having separate policies gives you more flexibility in renewals and cancellations.

Q10. When will I receive my ID card?

The Inbound Immigrant plan is an online insurance policy, once you purchase the policy online you will receive a printable policy in your e-mail. You can print and cut the paper ID card for your record and use it in the event you go to Doctor or hospital. If your premium is over $100 then you will have the option of the ID card sent to your mailing address in addition to the email ID card.

Acute Onset of a Pre-existing Condition coverage for age under 70 years$50,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation

Acute Onset of a Pre-existing Condition coverage for age under 70 years$75,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation

Acute Onset of a Pre-existing Condition coverage for age under 70 years$100,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation

Acute Onset of a Pre-existing Condition coverage for age under 70 years$130,000 per policy period medical expense benefits (subject to the sub limits for each benefit shown above) & $25,000 per policy period for medical evacuation

Can be purchased by any one travelling outside the home country. Non-United States citizens or any visa holders (e.g. L/H/B1,B2)as well as person on Green Card for temporary coverage in US. can purchase the plan. The Plan must become effective within 24 months of arrival in the United States.

Plan Type

Limited Coverage Plan
Plan pays by a pre-defined fixed benefit table.

AM Best Rating

A (Excellent)

Coverage in U.S.A.

Covered

Coverage outside U.S.A.

Primarily covers in USA (If you buy at least 30 days of coverage, you may travel to countries other than the United States for up to 30 days)

Co-Pay

No Co-pay(You pay the difference of the fixed benefits defined by the benefit table)

Co-Insurance

No Co-Insurance(You pay the difference of the fixed benefits defined by the benefit table)

How the Benefits are Paid

After the deductible, plan pays fixed amount based on a pre-defined benefit table for each type of service or treatment.

Coverage Type

Per Incident, Per Injury or Sickness

Deductible Type

Per Incident, Per Injury or Sickness

Renewability

Renewable with $5 fee each time you renew, up to a maximum period of 5 years.

Cancellation

Full refund available if cancelled before start date.
Pro-rated refund available after start date if no claims have been made( $25 Cancellation Fee Applicable)

The country where the covered person has his/her true, fixed, permanent home and principal establishment.

US States Restrictions

Restricts Maryland(MD) and Washington(WA) for a correspondence address

Country Restrictions

Not available to the residents of Cuba, Iran, Syria.
Residents of Gambia, Ghana, Nigeria, Sierra leone needs to have a US billing address.

Disclaimer

Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.